Elk Grove Insurance Rates:

Elk Grove, CA homeowners insurance is approximately $519 to $703, about $43-$58/month. Our detailed analysis indicates shoppers can save upto $244 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I would recommend my insurance policy because it is a recognized company with very good references
State Farm
My insurance company is a number 5 for me. They are so friendly and helpful. Obtaining the insurance was hassle free and they are the cheapest in the area.
Liberty Mutual
I think that the offerings that my insurance company offers are comparable to other, more well known, companies. Whenever I inquire about coverage for a particular event, they can confirm that they offer that particular coverage.
Farmer's Insurance
We bought the house 3 years ago. Most of the companies that cover my area offer similar coverage with similar deductibles. I went through two insurance agents and collectively got 8 different quotes.
We are satisfied with the policy offerings from GEICO as compared to other carriers. My husband always shops around for the best prices and best coverage yearly and will often request.
we have not had to use our homeowners insurance. We have only had i for a little less than a year. I do not know the premium or deductible but I think it seemed reasonable or we wouldn't have taken it.
State Farm
I would totally recommend State Farm to anyone I know. Like I said they have the best rates, lowest deductibles for most coverage and the best customer service around.
My home insurance policy is amazing because i can bundle it with my auto insurance, and its still cheaper compared to others.
Liberty Mutual
LM provides good customer service, prompt answers. Their website is easy to use and any questions about the policy can be answered by accessing it or calling their customer service number.
The deductible is standard compared to other companies and I am very satisified with the deductible that is offered to me by Nationwide.
Farmer's Insurance
They will not cover flood insurance or earthquake insurance in some areas. also being in tornado alley you have to have a special writer to get coverage. this type of coverage can cost more than you are willing to pay.
State Farm
I do not like how the receptionists are not very nice. they need to work on customer service in there.
Nationwide gives the best customer service to their customers. you can always find help around the clock, over the web and off.
National General
I have no complaints so far. As long as my premiums stay reasonable I will be satisfied with National General.
Century National
I am glad that i found this company. they were one of the only companies that would sell an earthquake policy for my house that is made of cinder blocks.
Very fast customer service. Always there when I need to ask a question or if I have an issue that needs solving
The premium for Travelers is the absolute best in my area market based on all of the other home insurance companies for the current year. I work with a broker who finds the best deal based on my specific needs since I seek the best bang for the buck looking for all coverage being a first-time homeowner.
Liberty Mutual
I liked the services and the hospitality offered in this company .The employees look very discplined and up to their duties.
State Farm
they are amazing always doing everything in their power to help me and make sure the answer all my questions
Farmer's Insurance
I believe that the company has a lot of work to do when it comes to the customer service department. They don't really have people who know what they are talking about most of the time. Other than this, I feel like they can have a solid company.
State Farm
Although their prices are the only somewhat negative aspect of the company, I can't think of anything else that I would say I dislike about State Farm
State Farm
I do not have much negative input on State Farm other than the occasional rate increases we've experienced. As well as all the paper mail they send out. Additional discounts would be nice too.
State Farm
I have been pretty satisfied with them since I haven't really had to use them for anything. I like that they do not reach out to me too much.
Good customer service, they pay for exactly what they say they cover without any hassles.
Liberty Mutual
The premiums are reasonable for our sized house but the deductible is a bit high. So again, a 3
The insurance company to which I am subscribed is an effective and efficient company with good service and a fair price for the value obtained. I have no complaints.
Crum & Forster Insurance
Yes, dislike the company because worst customer choices and the behaviors will be not deliverable to the others companies it is not predictable for the other customers.

Elk Grove, CA Homeowners Insurance By Home Value

Elk Grove, CA Home Value Total Homes % of Total Average Elk Grove, CA Homeowners Insurance
Less than $50,000 618 2.0% $54
$100,000 to $124,999 544 1.0% $238
$125,000 to $149,999 737 2.0% $299
$150,000 to $174,999 1,845 6.0% $360
$175,000 to $199,999 2,413 8.0% $415
$200,000 to $249,999 6,923 24.0% $494
$250,000 to $299,999 7,676 27.0% $611
$300,000 to $399,999 7,309 25.0% $775

Top Home Insurance Agents Near Elk Grove, CA

Home Insurance Company Near Elk Grove, CA Homeowners Insurance Agency Near Elk Grove, CA Address
Liberty Mutual Independent Gateway Professional Ins Svc 1990 ALAMO DR SUITE 1, VACAVILLE, CA, 95687
Allstate Gregory Edwards 2001 Jefferson St Ste B, Napa, CA, 94559
Allstate Jeff Macdonald 2197 Main St, Oakley, CA, 94561
Nationwide Maffei Ins & Fin Services 2540 Pacific Ave STE 1, Stockton, CA, 95204-4400
Allstate Troy Greenway 4240 Rocklin Rd Ste 4, Rocklin, CA, 95677

Elk Grove, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Elk Grove, CA

Streets in Elk Grove Area Homeowners Insurance Cost
Brinzino Ct, Serta Ct, Rawley Way, Valenda Ct, Siefker Ct, Gopherglen Ct, Avocet Ct, Bari Ct, Gold Poppy Way, Marsh Hawk Ct$620
Jordan Ln, Cypress Creek Way, Chimes Harbor Dr, Engleside Ct, Richert Ln, Donegal Bay Dr, Grimsby Ct, Delta Sand Ct, Bangor Ct, Sunny Glade Ct$598
Brairglen Ct, Dutch Iris Ct, Durango Way, Dino Dr, Geranium Way, Malheur Way, Tuzza Ct, Sky Dome Ct, Spring Flower Dr, Castleshore Ct$599
Mountain Vista Cir, Catfish Ct, Kestrel Ct, Apple Mill Dr, Morum Ct, Laguna Creek Dr, Newby Way, Saintsbury Ct, River Thread Ct, Mariolyn Ct$607
Clemenza Way, Gladiola Way, Cariann Ct, Di Lusso Dr, Foremast Ct, Louis St, Shady Vista Ct, Owlet Ct, New Age Ct, Sun Sprite Ct$605
Opp Ct, Rossport Way, Trenholm Dr, Big Timber Dr, White Pine Way, Core Rd, Grey Star Ct, Jordan Ranch Rd, Emily St, Rocky Creek Ct$606
Meadowfoam Ct, Village Brook Way, Cantabria Ct, Kenton Way, Millner Way, Machado Ranch Dr, Corton Way, Magnolia Hill Way, Jef Jen Way, Laguna Shore Way$612
Newry Ct, Casandra Ct, Shoofly Ct, Sebring Ct, Bella Vista Pl, Koto Dr, Kind Ct, June Bug Ct, Baisley Ct, Crosstrees Way$607
Channel Islands St, Valley Oak Ln, Collie Way, Pirate Point Ct, Whitelock Pkwy, Nectar Cir, Laguna Star Dr, Quail Knoll Ct, Argus Ct, Pearl Crest Ct$603
Hatherton Way, Patti Way, Harbourglen Way, Seattle Slew Ln, Yarnell Way, la Haya Dr, Mizzenmast Ct, Wynndel Way, Healon Way, Castlebridge Ct$616

Elk Grove, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Elk Grove$91 to $93
Sacramento County$91

Elk Grove, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Sacramento County, California $91 $121 $182
Florin CDP, California $89 $118 $177
Vineyard CDP, California $92 $122 $183

Elk Grove, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Elk Grove, CA2.3%10.3%
Sacramento County2.59%11.58%

Elk Grove Renters Insurance as a Percentage of Rent

Elk Grove Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 517 4.0% $1919
$750 to $999 1,658 13.0% $2669
$1,000 to $1,499 4,041 34.0% $3794
$1,500 or more 5,390 45.0% $5444

Average Cost Of Home Insurance By Company In Areas Nearby Elk Grove For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewTokio Marine America203
250000500NewPacific Specialty567
300000500NewAmerican Modern937
4000001000NewCentury National936
4000001000NewLiberty Ins Corp626
4000001000NewQBE (Balboa)747
5000001000NewCalifornia Capital816
1500005001-3 YearsNationwide462
25000010001-3 YearsNationwide603
2500005001-3 YearsGeneral Ins363
2500005001-3 YearsMercury Ins Group409
3000005001-3 YearsTravelers534
75000025001-3 YearsMercury Ins Group750
1500002504-6 YearsQBE (Balboa)578
1500005004-6 YearsChubb/Federal754
1500005004-6 YearsKemper559
3000005004-6 YearsForemost Insurance1053
50000010004-6 YearsTokio Marine America636
75000025004-6 YearsMetropolitan Direct1344
1500005007-15 YearsGrange406
2000005007-15 YearsMAPFRE Group742
25000010007-15 YearsWawanesa781

Elk Grove, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Elk Grove Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,900$6,300
Net Savings to Elk Grove Home Owner from High Deductible Plan $600

Elk Grove, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elk Grove, CA Home Replacement Value MORE than Home Value Elk Grove, CA Home Replacement Value LESS than Home Value
Replacement Value $426,000 $267,000
Insurance Premium based on Replacement Value $1,100 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $71,000 Risk Exposure from Under Insuring Coverage is $88,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $175/year

Example Elk Grove Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualChubb Group of InsuranceNationwide Insurance
Monthly Premium 554670
Year Built 200419942011
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$300000-$350000$300000-$350000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Elk Grove, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 290,000 Tile Roof 1,960 3 $1000-$2500 Deductible 320 8 Fiber-Cement Siding yes
2000 315,000 Asphalt Shingles Roof 2,710 4 $500 Deductible 830 10 Vinyl siding No
2012 310,000 Slate Shingles Roof 2,220 5 $1000-$2500 Deductible 380 6 Stone Siding No
2013 480,000 Tile Roof 3,130 4 > $10,000 Deductible 720 10 Wood siding No
1994 545,000 Composition Roof 4,750 5 > $10,000 Deductible 570 6 Brick siding No
2011 510,000 Shingles Roof 4,130 5 $500- $1000 Deductible 910 9 Vinyl siding No
2010 385,000 Tile Roof 2,400 5 > $10,000 Deductible 300 6 Wood siding yes
2012 505,000 Asphalt Shingles Roof 3,310 4 $1000-$2500 Deductible 110 1 Wood siding No
2008 215,000 Slate Shingles Roof 1,670 4 $500- $1000 Deductible 80 2 Stucco siding yes
2008 240,000 Wood Shake Roof 1,850 3 $2500-$5000 Deductible 430 9 Brick siding No
2012 195,000 Composition Roof 1,230 3 $2500-$5000 Deductible 480 10 Stucco siding yes
1992 210,000 Composition Roof 1,830 3 $2500-$5000 Deductible 350 10 Vinyl siding yes
2006 445,000 Metal Roof 2,930 4 $500- $1000 Deductible 440 4 Wood siding yes
1996 605,000 Composition Roof 3,690 5 $500- $1000 Deductible 820 6 Fiber-Cement Siding yes
2011 720,000 Metal Roof 4,260 5 $2500-$5000 Deductible 390 3 Vinyl siding No
1995 325,000 Wood Shake Roof 2,500 4 $500- $1000 Deductible 560 7 Stone Siding No
2014 260,000 Shingles Roof 2,040 4 $5000 to $10,000 Deductible 90 2 Stucco siding No
1994 415,000 Slate Shingles Roof 2,820 5 $500 Deductible 740 6 Stone Siding No
2014 220,000 Membrane Roof 1,530 5 $500- $1000 Deductible 170 3 Brick siding No
2011 325,000 Wood Shake Roof 2,020 3 $1000-$2500 Deductible 170 3 Wood siding yes
1994 230,000 Composition Roof 1,820 3 $500- $1000 Deductible 140 4 Wood siding yes
2012 260,000 Shingles Roof 1,970 3 > $10,000 Deductible 410 12 Brick siding No
1991 265,000 Composition Roof 1,830 4 $2500-$5000 Deductible 420 9 Vinyl siding No
2010 245,000 Asphalt Shingles Roof 1,690 4 $500 Deductible 180 3 Stone Siding No
2014 345,000 Slate Shingles Roof 2,020 3 $5000 to $10,000 Deductible 40 1 Stone Siding yes
2001 155,000 Membrane Roof 1,200 3 $500- $1000 Deductible 370 10 Brick siding No
1999 410,000 Shingles Roof 3,240 4 $1000-$2500 Deductible 530 5 Stucco siding No
1990 255,000 Wood Shake Roof 1,470 3 $500- $1000 Deductible 390 8 Vinyl siding No
2009 180,000 Composition Roof 1,410 3 $5000 to $10,000 Deductible 280 12 Stone Siding yes
2010 415,000 Tile Roof 2,900 4 $1000-$2500 Deductible 920 12 Wood siding No
1982 230,000 Membrane Roof 1,365 3 $500- $1000 Deductible 250 3 Stone Siding No

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